Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research

Reports

How Developing World FIs Will Miss the Biggest Consumer Financial Services Market of All Time

Javelin Report
Date: December 22, 2009
Author(s): Mercator
Research Topic(s): Global, Prepaid

Retail banks in developing economies face a tough choice. They can remain in their current niches of serving their handful of well-to-do customers or they can take a page out of the mobile industry's book, update their retailing knowledge, and m...

Merchant Funded Rewards -Debit Loyalty Programs and Roles for Acquirers in MFDNs

Javelin Report
Date: December 22, 2009
Author(s): Mercator
Research Topic(s): Debit

Merchant Funded Rewards -Debit Loyalty Programs and Roles for Acquirers in MFDNs

Consumer Remote Deposit Capture - A Bank in Every Pocket

Javelin Report
Date: December 21, 2009
Author(s): Mercator
Research Topic(s): Debit

Consumer Remote Deposit CaptureA Consumer in Every Pocket

PayPal + Banks = Growth?

Javelin Report
Date: December 21, 2009
Author(s): Mercator
Research Topic(s): Debit

PayPal is experiencing explosive growth in market penetration, services offered, and application development. Has the traditional financial services market acknowledged their ascendency or is it just not looking close enough?

U.S. Commercial Card Market: Efficiencies And Innovation Drive Growing Adoption

Javelin Report
Date: December 20, 2009
Author(s): Mercator
Research Topic(s): Commercial & Enterprise, Credit

U.S. Commercial Card Market:Efficiencies And Innovation Drive Growing Adoption

2009 Holiday Gift Card Sales Prediction: Things Don't Look So Bad From Here

Javelin Report
Date: December 13, 2009
Author(s): Mercator
Research Topic(s): Prepaid

Fourth quarter holiday sales heavily impact the total annual dollar loads on prepaid gift cards. In 2008, both open loop and closed loop gift cards experienced a decline in holiday sales as consumers, shaken up by a dismal economy, reduced their...

Retail Ecommerce in the US: Opportunities for Payment Acquirers

Javelin Report
Date: December 6, 2009
Author(s): Mercator
Research Topic(s): Credit

The opportunities that ecommerce presents to payment acquirers, while not insignificant, are somewhat limited because the market is dominated by its two largest players: Amazon and eBay. Combined, the two account for over half of all US ecommerc...